Getting letters for debts not on my credit report

I moved house last year and have recently been given some forwarded mail.

I have received letters from two different chasers (Cabot and Lowell) demanding payment for credit cards that I don't have anywhere on my TransUnion credit report

Cabot are claiming I owe nearly £500 for a Capital One CC. I do remember having one many years ago but tbh no idea if I paid it or not. It should be noted that Cabot are threatening to send people to my address if I fail to respond.

Lowell are claiming I owe £255 but that if I pay them £75 now, they will close the case.

I am confused because neither of these cards appear as open or closed accounts on my transunion report. I dont want to engage with them if they are just trying it on?
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Comments

  • fatbelly
    fatbelly Posts: 22,694 Forumite
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    Probably defaulted more than six years ago, or just trying it on.

    Send them prove-it letters
  • eskbanker
    eskbanker Posts: 36,751 Forumite
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    debthelp1 said:
    I have received letters from two different chasers (Cabot and Lowell) demanding payment for credit cards that I don't have anywhere on my TransUnion credit report

    [...]

    I am confused because neither of these cards appear as open or closed accounts on my transunion report.
    Have you checked your other credit files?  Not all providers report to all agencies....

    https://www.moneysavingexpert.com/loans/check-free-credit-report/
  • debthelp1
    debthelp1 Posts: 72 Forumite
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    edited 10 September 2024 at 4:59PM
    eskbanker said:
    debthelp1 said:
    I have received letters from two different chasers (Cabot and Lowell) demanding payment for credit cards that I don't have anywhere on my TransUnion credit report

    [...]

    I am confused because neither of these cards appear as open or closed accounts on my transunion report.
    Have you checked your other credit files?  Not all providers report to all agencies....

    https://www.moneysavingexpert.com/loans/check-free-credit-report/
    Clearscore has neither of them listed either
    fatbelly said:
    Probably defaulted more than six years ago, or just trying it on.

    Send them prove-it letters
    Thanks for that, please forgive my ignorance but what is a prove it letter?
  • Brie
    Brie Posts: 14,252 Ambassador
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    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe and Old Style Money Saving boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

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  • Thanks @Brie
  • Nasqueron
    Nasqueron Posts: 10,542 Forumite
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    Debts are statute barred after 6 years of last acknowledgment. If you are certain that you had the card but it's been more than 6 years since you last admitted or paid towards it, then you can simply use the statute barred letter if they do come back after a prove-it letter

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • sourcrates
    sourcrates Posts: 31,210 Ambassador
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    The prove-it letter should be sent first, as its specifically worded so as not to acknowledge any debt.

    Let us know the outcome please.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • The prove-it letter should be sent first, as its specifically worded so as not to acknowledge any debt.

    Let us know the outcome please.
    Prove-it letter response from Lowell below. I am yet to receive anything from Cabot

    Good afternoon,

    Thank you for your email.

    Responding to your query

     

    Due to the age of the account we are unable to request any relevant documents from Vanquis. As such we made the decision to close the account. We hope you are satisfied with this resolution.

  • fatbelly
    fatbelly Posts: 22,694 Forumite
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    Chancers!!
  • sourcrates
    sourcrates Posts: 31,210 Ambassador
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    There you go, got rid of them with one email.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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